Net 30 vs Net 15
Choose payment terms based on your operating model, not on habit.
Use the calculator first if you need a number. Use this page when you need the rule, framing, or wording behind it.
Insight
Net 15 is stricter, but often healthier
Net 15 improves cash velocity and shortens the period where project delivery is complete but cash has not landed. That matters most for agencies, studios, and service teams with payroll or contractor pressure.
The trade-off is buyer friction. Some clients expect net 30 by default and may push back if your process feels unusual.
Insight
Net 30 reduces friction, but increases float
Net 30 feels familiar to many buyers, especially larger companies with structured AP workflows. That can make onboarding easier and reduce back-and-forth with procurement.
The downside is obvious: you finance the work longer. If several invoices stack up at once, your business absorbs the delay.
Insight
How to decide
Use net 15 when speed matters, invoices are modest, and you have direct contact with the decision-maker. Use net 30 when you sell into larger organizations or when procurement approval genuinely needs more time.
If you are unsure, test net 15 for new small clients and keep net 30 for enterprise accounts. Standardization does not have to be all or nothing.
FAQ
Common questions
Is net 15 too aggressive for new clients?
It depends on client size and buying process. Small direct clients can often handle net 15, while larger procurement-heavy accounts may still expect net 30.
Can I use different default terms for different client types?
Yes. Many teams keep shorter terms for smaller clients and longer terms for enterprise accounts. The important part is documenting the rule clearly.
Should I change terms for all clients at once?
Not necessarily. Testing a stricter term with new clients first is often easier than changing every active account at the same time.
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